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      Spread the cost of your
      equipment and machinery
      with asset finance


      Work with our expert to create a predictable, fixed
      repayment plan, making it easier to plan ahead and
      manage your cash flow.

      We offer hire purchase, refinance and leasing options
      to a wide range of industries including manufacturing,
      construction, agriculture, print, transport and more.




      Why choose Close Brothers Commercial Finance?

      

      Product options

      From hire purchase and leasing to refinancing, we offer versatile funding options designed to help you invest in new assets and expand your business.

      Finance experts

      With decades of asset finance expertise, and having won various awards, our dedicated experts have extensive knowledge and experience to confidently support you and your business.

      A range of funding

      We provide funding solutions for businesses across a range of sectors, including print, manufacturing, construction, agriculture, aviation, marine, engineering, renewable energy, vehicles, and many more.

      Tailored Finance

      Each agreement is tailored to your circumstances, letting you adjust repayments to match your income. This means you can pay more when business is good, and less when it slows.


       

      What our clients say

      We were anxious about switching after 15 years, but the Close team guided us seamlessly, answered every question, and proved to be genuinely down‑to‑earth and approachable individuals.
      Long standing relationship has helped our business to grow. Account manager is readily available to support us. Good response from credit control team when any issues arise. Factoring and discount charges represent good value for money.
      Close Brothers Invoice Finance are breath of fresh air; the transfer has been smooth and there is a real willingness to help, which is in part to the strong preparation and relationship built pre commencement. Both client managers have been excellent and very pro-active since commencement.
      We have found Close Brothers extremely helpful throughout 2025. During the year we encountered cash flow issues and bottlenecks which we were able to discuss with Close Brothers and immediately we were supported in our requirements.
      Close Brothers have been with us from day one and they have always made an effort to understand the company and wanted to see us succeed. I have never felt the need to look elsewhere for funding.
      It was my dream to open my own practice and I could not have done it without Close Brothers.
      R Health Dental Ltd

       



      Important information


      Lending to Sole Traders & Partnerships is provided by Close Brothers DAC under the trading style Close Brothers Commercial Finance.


      Close Brother DAC is regulated by the Central Bank of Ireland. As a regulated entity, Central Bank of Ireland relevant consumer protection codes and regulations will apply.


      For further information, please see our terms of business.

      Lending to companies is provided by the Irish Branch of Close Brothers Limited under the trading style Close Brothers Commercial Finance.


      Close Brothers Limited is a UK registered private limited company and is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom.


      Warning: The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.

      Lending in Northern Ireland is provided by Close Brothers Limited under the trading style Close Brothers Commercial Finance.


      Close Brothers Limited is a UK registered private limited company and is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom.

      • ROI - Sole Traders & Partnerships (Regulated)

        Lending to Sole Traders & Partnerships is provided by Close Brothers DAC under the trading style Close Brothers Commercial Finance.


        Close Brother DAC is regulated by the Central Bank of Ireland. As a regulated entity, Central Bank of Ireland relevant consumer protection codes and regulations will apply.


        For further information, please see our terms of business.

      • ROI - Companies (Unregulated)

        Lending to companies is provided by the Irish Branch of Close Brothers Limited under the trading style Close Brothers Commercial Finance.


        Close Brothers Limited is a UK registered private limited company and is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom.


        Warning: The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.

      • NI - Companies, Partnerships and Sole Traders (Regulated & Unregulated)

        Lending in Northern Ireland is provided by Close Brothers Limited under the trading style Close Brothers Commercial Finance.


        Close Brothers Limited is a UK registered private limited company and is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom.

      Find out how we can help
      your business



      Benefits of asset finance


      Protects cash flow


      Asset finance allows businesses to spread the cost of equipment or vehicles over time rather than paying upfront. This helps preserve working capital for day‑to‑day costs such as wages, stock, and overheads.

      Tax efficiency


       Using this type of funding may provide tax advantages, such as relief on repayments or access to capital allowances. This can help lower tax exposure and make investment in business assets more financially efficient.

      Flexible repayments


      A repayment structure can be arranged with an account manager to reflect your cash flow and business cycle. Whether seasonally adjusted or fixed monthly, funding can be tailored to give you greater financial control as your business evolves.


       

      Improve budgeting and forecasting


      Fixed repayments provide clarity and consistency, making it easier to plan ahead and manage cash flow. With clear visibility over commitments, businesses can budget and forecast more accurately to support informed decision‑making.

      Access to high-quality equipment


      Asset Finance enables businesses to stay competitive by accessing modern machinery, vehicles, or technology without committing to a large upfront purchase, while investing in reliable equipment that supports efficiency and day‑to‑day operations.

      Supports growth without diluting ownership


      It allows businesses to invest in equipment and vehicles without sacrificing equity or control. Business owners retain full ownership while accessing the funding needed to support growth, expansion, or operational improvement as the business develops.






       

      Events and client success stories

      Working capital unlocked to fuel a major production uplift

      CASE STUDIES
      17 Mar 2026

      Supporting the next generation of a specialist manufacturer

      CASE STUDIES
      09 Feb 2026

      Powering Arden Energy's digital innovation for smarter grid technology

      CASE STUDIES
      22 Jan 2026

      Tree surgery and landscaping firm finds stability amid seasonal challenges

      CASE STUDIES
      01 Dec 2025

      Unlocking growth through smart refinancing

      CASE STUDIES
      06 Oct 2025

      Close Brothers supports complex acquisition

      CASE STUDIES
      10 Aug 2023



      Our financial products and how they can add value to your business

      Our hire purchase product provides the flexibility to spread the cost of an asset over a fixed period.


      Whether you are buying vehicles, engineering machinery, construction equipment, or other commercial equipment that has a resell value, hire purchase offers you fixed monthly repayments so you can manage your budget effectively over the repayment term. Plus, when the repayment term is finished, you own the asset.


      Business hire purchase >

      Whether you need additional working capital, or you want to restructure an existing agreement, refinancing (capital release) could help you release funds from assets on your balance sheet quickly.


      We offer several options, including Sale and HP back, which enables businesses to unlock the capital held in an existing asset and finance it back over a fixed period. It's based on your asset's value, and our experienced asset finance specialists can work with you to match repayments to your income stream.


      This type of funding is available to both sole traders and larger scale businesses, and you can use this option whether you own the equipment outright or are currently under an existing finance agreement.


      Asset refinancing >

      If you want to maximise the use of your equipment without the responsibility of owning it, a finance lease will give you the freedom and flexibility you need. Also referred to as a full-payout lease, we seek to recover the full cost of the asset, along with interest, over the primary agreement term. You will have full use of the asset for its useful life, being responsible for its maintenance and insurance.


      At the end of the primary lease term, you can either:


      • Enter into a secondary rental period
      • Choose to sell the asset and receive the majority of the sale price
      • Return it to us


      Asset finance leasing >

      • Hire purchase

        Our hire purchase product provides the flexibility to spread the cost of an asset over a fixed period.


        Whether you are buying vehicles, engineering machinery, construction equipment, or other commercial equipment that has a resell value, hire purchase offers you fixed monthly repayments so you can manage your budget effectively over the repayment term. Plus, when the repayment term is finished, you own the asset.


        Business hire purchase >

      • Refinance/ capital release

        Whether you need additional working capital, or you want to restructure an existing agreement, refinancing (capital release) could help you release funds from assets on your balance sheet quickly.


        We offer several options, including Sale and HP back, which enables businesses to unlock the capital held in an existing asset and finance it back over a fixed period. It's based on your asset's value, and our experienced asset finance specialists can work with you to match repayments to your income stream.


        This type of funding is available to both sole traders and larger scale businesses, and you can use this option whether you own the equipment outright or are currently under an existing finance agreement.


        Asset refinancing >

      • Finance lease

        If you want to maximise the use of your equipment without the responsibility of owning it, a finance lease will give you the freedom and flexibility you need. Also referred to as a full-payout lease, we seek to recover the full cost of the asset, along with interest, over the primary agreement term. You will have full use of the asset for its useful life, being responsible for its maintenance and insurance.


        At the end of the primary lease term, you can either:


        • Enter into a secondary rental period
        • Choose to sell the asset and receive the majority of the sale price
        • Return it to us


        Asset finance leasing >




       

      Still have questions?



      Our step-by-step process


      Fill out our short form

      To find out how we can support you and your business, please complete our form.
      It only takes a few minutes to complete.

      Speak with our finance experts

      Our dedicated finance specialists will contact you to discuss your needs and provide more information about our products and services.

      Receive a tailor-made finance plan

      We will develop a flexible repayment plan matching your payment schedule with your seasonal income.


       




      Case Study

      Hire purchase increases firm's bottling capacity


      Background

      This established business provides bespoke bottling, packing and labelling services to premium spirits brands worldwide. Using advanced technology, it supports drinks brands of all sizes with sourcing, storage, sampling, bottling and labelling.


      The challenge

      Recent growth and new client wins have driven a rise in production, creating the need to invest in a new bottling line. In a highly competitive drinks market, this requires fast, flexible funding from a provider with relevant industry experience.


      The solution

      Our team arranged a €220k hire purchase facility to fund a new bottling line, enabling the cost to be spread across manageable monthly repayments with full ownership at the end of the term. Drawing on strong sector expertise, the team delivered a bespoke solution within a tight deadline, supporting the business’s wider growth objectives.





       

      Speak to our industry
      experts for more information

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      Asset Finance Solutions